This project was moved on PROBLEM! Beware at the moment..
Discussion.
Let’s start by repeating the basic information about the two Roboton investment plans as well as what we learned about them in Part 1 of this review. I’m going to simplify the Scientist Plan by using the average business day interest of 6% rather than the different rates that corresponding to the different days of the week. As I indicated in Part 1 of the review, this appears to be a needless complication of an otherwise very sensible investment plan.
- Medic Plan (11 business days)
- $10 minimum
- 1% daily for 11 business days
- Principal returned
- Does not break even until end of the plan
- DNI = 0.73%
- Scientist Plan (20 business days)
- $50 minimum
- 6% daily for 20 business days
- Principal included
- Breaks even in roughly three weeks and two calendar days
- DNI = 0.71%
Let’s begin our discussion by noting that that the Scientist Plan is the best TYPE of investment plan because you are receiving a substantial daily return such that you will break even before the plan ends. The return of 6% per business day enables you to recover 30% of your investment per week — which is quite a lot. On the other hand, the Medic Plan only pays you a return of 1% per business day — which is minimal. So, you only recover 11% of your investment before the plan ends and, at that time, your full investment is returned to you. This is almost as bad as the type of plan that withholds all of your earnings until the plan ends. The saving factor is that the Medic Plan is only 15 calendar days long (around two weeks) while the Scientist Plan is 28 days long (four weeks).
Next, let’s talk about “camouflage.” By this I am referring to how easy it is to understand exactly how an investment plan works. Often times, we have to work to get to the meat of an investment plan. This is what we did in Part 1 of this review when we determined how long it takes the Roboton investment plans to break even and what their DNIs are. As we have repeatedly said, the DNI of an investment plan might be its most important characteristic as it is a measure of both its profitability and risk. In the case of the Scientist Plan, the differing interests paid on different days of the week is a good example of camouflage that makes it more difficult for the potential investor to understand what’s going on. The fact that interest is paid only on business days doesn’t help either. Why not pay a lesser interest seven days per week?
The descriptions of the investment plans only give a lower limit; an upper limit is not given. If you use the calculator on the website, you will find that it works no matter how much you list as an investment, the implication being that there is no upper limit. I actually think this is a better approach than many HYIPs take where insane upper limits are often given. It is probably best to leave these amounts unsaid — as Roboton is doing.
The DNIs for the two Roboton investment plans are essentially the same. This means that they are equally profitable and, in many respects, equally risky. As far as profitability is concerned, if you multiply DNI by seven (the number of days in a week), you get the average weekly net profit that you can expect from an investment plan. So, for both of these investment plans, you are talking about an average weekly net profit of around 5%. For an HYIP, this is not especially high. It would take 20 weeks (five months) for a person to double his money. However, the conservative return implies that there is less risk of the program closing prematurely. In HYIP Insights #12, we suggested that programs offering investment plans with DNIs less than 1% would have a relatively good chance of being long-term survivors. Of course, in HYIP world, nothing is for sure. But, in-so-far-as the number are concerned, these plans are encouraging.
Of course, risk is not only related to the numbers. The type of investment plan is another factor that the potential investor should consider. Here Roboton gives a person a hard decision to make. The Medic Plan is only two weeks long which makes it less risky than the Scientist plan which is four weeks long. However, the Scientist Plan pays a healthy daily return while the Medic Plan pays only 1% which make the Scientist plan more attractive from the point of view of recovering investment on a daily basis. So, from the point of view of type of investment plan, there is probably no clear-cut winner.
Earnings Examples.
Let’s assume an investment of $100 in each of the two investment pans and compare the results.
For the Medic plan, you will receive a return of 1% or $1 for each of 11 business days. This would be a total of $11. Then your $100 investment would be returned to you. So, the $11 is your net profit. This plan is 15 calendar days long.
For the Scientist plan you would receive a 6% return, or $6, for 20 business days. This would total $120. Since this includes your investment, your net profit would be $20. This plan is 28 calendar days long.
If you compare the two plans, you can see that, if you invested in the Medic Plan twice, your net profit would be essentially the same as investing in the Scientist Plan once — which is what the DNIs predict for plans of the same duration.
Conclusions.
Roboton offers two different types of investment plans that are equally profitable. The choice of plan will probably be determined by a person’s “investment personality.” By HYIP standards the plans provide conservative returns, the implication being that the program might have a good chance for long-term survival.
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